And now a total different opinion:
First a resume:
Rolemaster doesn't simulate a fight realistic, but the damage with a good realization of offense/defense stance.
One dice roll for 10 seconds of a fight represents more than one swing of the sword. IMHO it even includes pommel attacks, fist strikes, kicks and even shild bashes.
The critical of a "
17C" result with a sword may mean a C-Slash, but also a C-Krush. The Crush might be the result of a pommel attack to
<insert hit location here> or a fist attack or a kick. The GM doesn't need to call for a roll on a special table, she can just use the result. The GM may even split a critical: A C-Crit may be interpretated as a minor slash (roll A-Crit) and a shild bash (roll B-Krush or D-Unbalancing) etc.
Now to the shild bash: Not only the shild construction (spikes, boss, sharp rim) also the spacial stance of the combatants may have an influence. If in the heat of the fight the combatants come to very close range a shild bash may result in an Unbalancing-Crit, a mere body bash (shild against shild).
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I wouldn't dare to compare cavalery against shild bash. I believe it is an individuell thing: If there is a man in front of me ramming the rim of his shild into my face ... I would prefer a horse ramming me (a body bash would kick me out of the way). A flat shild bash (body bash) would just kick me over (Unbalancing), but I'm prone and might be killed therefore.
Cavalery ruled because of the momentum, the horse bash might be not that hard, but it could overrun a combat line of men and break it. A horse can easily bash more than one person, a man with a shild not.
...
You could certainly argue loads of variation in the particulars, but generally speaking a full set of football armor would be quite effective not just against the 300# linebacker, but the goat, the thrown rock, the punch and the kick and the shield bash. . .all could hurt you, but all are protected against similarly. . .so the set up as is seems to be "Good enough" if not perfect.
I second this: In my my stick fighting lessons I was surprised that a mere padded shirt effectivly stops the blows of a stick ...